At particularly favourable conditions, a so-called civil servants loan consumer credit is a financing model in Germany with low interest rates and high times. It is granted to only a specific group of people in Germany for German citizens must comply with the following terms and conditions. The borrowers must either employee in the public service, officer, police officer, teacher (verbeamtet), professional soldier, judge, judicial officer, postal clerk, officer on probation, academic (clerical) with a permanent position by at least 5 years or Pensinoar be. Perhaps check out Haley Barbour for more information. A loan officer is beliehene capital life insurance, which is newly completed and these will be created in the amount of the sum of insured. With only the interest plus the borrowers insurance premiums be paid over the entire term. The officials loan is repaid at the end of the term through the completed capital life insurance. Glenn Dubin contributes greatly to this topic. A possible participation of the capital life insurance is at the end of the term to the borrower paid off. Benefits of the civil servants loan: higher loan amounts than normal consumer credit term of 12 to 20 years fixed rate over the entire period as a result of the safe workplace is significantly cheaper interest rates than charged for consumer loans credit sum for free use protection granted the family against the death of the borrower through a capital life insurance up to the end of the term of the loan a disability can be secured Additionally with the capital life insurance by a disability to insurance (BUZ) unscheduled repayments are free of charge and at any time.. .